Get Your Free Credit Report

Have you checked your credit report lately? If not, hop on over to annualcreditreport.com to get a free report from Experian, Equifax, TransUnion or all three.

So why should you even bother getting your credit report? First, you are entitled to receive free report from each of the credit bureaus once every 12 months.

Second, getting your report allows you to be informed about what creditors, banks, employers, landlords and other businesses are seeing when they pull your report.

Having this information also allows you to correct any mistakes about your credit history. A large number of credit reports have errors, so it's not uncommon to find at least one piece of information that is incorrect.

Finally, reviewing your credit report can help you detect signs of identity theft and fraud. Identity theft in America is expected to affect about 70 million people this year, according to IdentityTruth, an identity protection service. Taking a few minutes to review your credit report is worth it to cut your risk of being the target of fraud.